The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,279
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,568
−HK$293/mo
Today · 4.125%
HK$9,861
baseline
▲ 0.50% · 4.625%
HK$10,461
+HK$600/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,722/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,323
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,600
−HK$281/mo
Today · 4.125%
HK$10,881
baseline
▲ 0.50% · 4.625%
HK$11,454
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,762/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,135
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,481
−HK$352/mo
Today · 4.125%
HK$11,833
baseline
▲ 0.50% · 4.625%
HK$12,553
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,666/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,388
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,720
−HK$337/mo
Today · 4.125%
HK$13,057
baseline
▲ 0.50% · 4.625%
HK$13,745
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,114/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,991
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,395
−HK$410/mo
Today · 4.125%
HK$13,805
baseline
▲ 0.50% · 4.625%
HK$14,645
+HK$840/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,610/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,452
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,840
−HK$393/mo
Today · 4.125%
HK$15,233
baseline
▲ 0.50% · 4.625%
HK$16,036
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,466/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,702
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,222
−HK$528/mo
Today · 4.125%
HK$17,750
baseline
▲ 0.50% · 4.625%
HK$18,830
+HK$1,080/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,500/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$13,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,581
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,080
−HK$505/mo
Today · 4.125%
HK$19,585
baseline
▲ 0.50% · 4.625%
HK$20,618
+HK$1,033/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,170/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$13,967 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).